How To Choose The Right Pet Insurance

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Choosing the Right Pet Insurance

Pet insurance seems like a frivolous expense to some people. How expensive can a pet’s expenses really be? Yet just as pets need a lot of love, they also need a lot of money. Find out if pet insurance is something that should be on the top of your to-buy list.

What Type of Pet Do You Have?

Not all pets are great candidates for insurance. The most commonly insured pets are larger ones, such as cats and dogs. Small pets, such as fish, gerbils, hamsters and lizards don’t always need certain types of insurance. Generally, the cheaper the pet, the less likely you’ll need insurance.

Since smaller pets have shorter life spans anyway, you might not get the best value for your money. You need to weigh the cost of the pet insurance against the likelihood that you’ll need to use it.

How Old Is Your Pet?

You may want to take your pet’s age into consideration when it comes to insurance. Older pets tend to have more medical problems than younger pets. If your pet is already showing signs of arthritis, allergies or other medical issues, you could end up footing the bill for medical costs. You wouldn’t want to have to choose between money and your pet’s ability to deal with pain. Arthritis medications, such as Carprofen dosage , could be treated by insurance.

On the other hand, younger pets often get into accidents more often than older pets. If your pet is rambunctious and doesn’t seem to know his own strength, you might want to consider insurance. Surgery for a broken bone could cost thousands of dollars, and insurance could alleviate some of those costs.

What Is Your Pet’s Background?

Is your pet known to have medical issues? Would you consider your dog a high-risk pet that’s always getting into trouble? Has your pet ever acted aggressively toward another human? Was your pet ever abused? All of these factors can play a huge role in the cost of your pet over its lifetime. It’s important to look at your pet’s background from every angle when determining if insurance is right for you.

Types of Pet Insurance

Like human insurance, there are different levels of pet insurance; it’s not just about your pet’s health. For many pet owners, pets are eternal friends; for others, pets are an investment.


Is your pet a purebred, one-of-a-kind, expensive investment? If so, you may want to consider insurance against theft. You don’t want to tie your Maltese up outside the grocery store one day only to have him stolen.

Medical Insurance

Pets’ medical expenses can sometimes cost as much as a human’s. You don’t want to get in the position where you need to choose between your pet’s health and your savings account.

Life Insurance

No one ever wants to consider the worst when it comes to their pets, but you’ll want to be covered in case the worst should ever happen. Life insurance can help you recoup money for vet bills and interment costs.

Behavioral Insurance

If your pet should have training or behavioral issues, you’ll want to take care of those ASAP. Insurance could help cover the cost of behavior training up to more than $500. This type of coverage can also help you avoid any liability suits down the road.

Liability Insurance

If the worst were to happen in terms of your pet damaging someone else’s property or causing harm to another pet or human being, you’ll want to ensure you’re covered. Liability insurance can protect you and your bank account for any damages.

Lannie, writer for Allivet.  Allivet provides affordable pet supplies and pet medications, all of which can be purchased online.